Michael Davis Email & Phone Number

Wexford, Pennsylvania, United States

• Performs monthly reviews on Home Equity underwriters to ensure PNC policy and procedures are implemented as a first line of defense to mitigate risk for the bank.
• Identifies and reports errors made by underwriters during the loan process after a loan has been final approved. Some areas of compliance review include HMDA, Reg B, and FCRA, as well as debt calculation, and other.
• Makes comments on error findings to stopgap common mistakes and analyzes common error trends to report to management
• Reviews and reports any signs of discrepancies to manager that indicate fraud may have occurred

• Analyzed income, credit, and investor guidelines to determine borrower eligibility on conventional loans. Focused specifically on refinance applications as a new underwriter.
• Reviewed loan applications and communicated effectively with loan officers and processors to ensure all proper documentation was presented to make the best decision on each customer
• As purchase and refinance demand slowed down around Nov. 2021, quickly adapted and assisted the home equity team in a variety of roles including quality assurance, appraisal support, and tollgate reviews

• Reviewed and spread company’s financial statement information to produce reports and ratios that help determine a company’s credit worthiness
• Consistently delivered high productivity and low error rates by repeatedly achieving results of over 106% productivity and less than 1% error rate when standards are 100% and 5%
• Gained experience in analyzing a variety of complex financial statements including audits, tax returns, and company prepared financials that are composed in the general industry, auto, non-profit, and public finance.
• Was chosen to help lead a team in the implementation of a Harland financial reporting bot, as well as the integration of new spreading software BizAnalyser – FinSuite
• When called upon, could be trusted to QC co-workers’ spreads to ensure that the correct statements were sent out, as well as helped them learn and grow from mistakes that were made
• Had experiencing leading huddles with the department going over the teams’ performance from the previous day that also included customer stories and key actions for the good of the group

• Helped prepare and process a variety of individual, partnership, and corporate tax returns
• Gained exposure to the public accounting environment and the small-business mind set